The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC COM 001055102 880 25,700 SH   DFND   25,700 0 0
AT&T INC COM 00206R102 4,673 160,320 SH   DFND   157,368 0 2,952
ABBOTT LABS COM 002824100 6,116 77,511 SH   DFND   65,609 0 11,902
ABBVIE INC. COM 00287Y109 6,299 82,678 SH   DFND   62,675 0 20,003
AIR PRODUCTS & CHEMICALS INC COM 009158106 76,131 381,397 SH   DFND   330,605 45 50,747
ALLSTATE CORP COM 020002101 272 2,966 SH   DFND   2,966 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 3,457 2,973 SH   DFND   2,973 0 0
ALPHABET INC CL A CAP STK CL A 02079K305 2,230 1,919 SH   DFND   1,919 0 0
ALTRIA GROUP INC COM COM 02209S103 17,972 464,757 SH   DFND   458,342 0 6,415
AMAZON.COM INC COM 023135106 3,114 1,597 SH   DFND   1,597 0 0
AMERICAN ELECTRIC POWER COM 025537101 10,909 136,391 SH   DFND   135,550 0 841
AMERICAN EXPRESS CO COM 025816109 1,654 19,325 SH   DFND   19,300 0 25
AMERICAN TOWER CORP COM 03027X100 27,237 125,082 SH   DFND   123,691 0 1,391
AMETEK INC COM 031100100 214 2,965 SH   DFND   2,965 0 0
AMGEN INC COM 031162100 13,393 66,064 SH   DFND   66,064 0 0
ANTHEM INC COM 036752103 856 3,772 SH   DFND   3,772 0 0
APPLE INC COM 037833100 183,712 722,451 SH   DFND   619,799 85 102,567
AUTOMATIC DATA PROCESSING COM 053015103 40,371 295,369 SH   DFND   290,931 0 4,438
BP PLC SPONSORED ADR 055622104 1,761 72,213 SH   DFND   72,213 0 0
BANK OF AMERICA COM 060505104 602 28,363 SH   DFND   28,363 0 0
BAXTER INTL INC COM 071813109 92,614 1,140,703 SH   DFND   961,323 135 179,245
BECTON DICKINSON COM 075887109 126,106 548,836 SH   DFND   462,894 90 85,852
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,080 15 SH   DFND   15 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 10,608 39 SH   DFND   39 0 0
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 4,749 25,974 SH   DFND   24,874 0 1,100
BLACKROCK INC COM 09247X101 138,115 313,919 SH   DFND   266,277 50 47,592
BOEING CO COM 097023105 972 6,518 SH   DFND   6,440 0 78
BRISTOL MYERS SQUIBB CO COM 110122108 4,566 81,922 SH   DFND   80,722 0 1,200
BROWNFORMAN CORP CL B 115637209 437 7,880 SH   DFND   7,880 0 0
CIGNA CORP COM 125523100 1,830 10,330 SH   DFND   10,330 0 0
CME GROUP INC. COM CL A 12572Q105 224 1,294 SH   DFND   1,294 0 0
CVS HEALTH CORPORATION COM 126650100 138,050 2,326,813 SH   DFND   1,976,918 355 349,540
CAMPBELL SOUP CO COM 134429109 244 5,290 SH   DFND   1,665 0 3,625
CANADIAN NATL RAILWAY CO COM 136375102 446 5,742 SH   DFND   5,742 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 823 3,750 SH   DFND   3,750 0 0
CATERPILLAR INC COM 149123101 758 6,533 SH   DFND   6,283 0 250
CHEMOURS COMPANY COM 163851108 566 63,861 SH   DFND   63,861 0 0
CHEVRON CORPORATION COM 166764100 25,695 354,614 SH   DFND   342,956 0 11,658
CHURCH & DWIGHT CO COM 171340102 1,064 16,576 SH   DFND   16,576 0 0
CISCO SYS INC COM 17275R102 44,349 1,128,179 SH   DFND   1,120,103 0 8,076
CITIZENS FINANCIAL COM 174610105 252 13,380 SH   DFND   13,380 0 0
CLOROX CO COM 189054109 625 3,606 SH   DFND   3,606 0 0
COCACOLA CO COM 191216100 75,974 1,716,925 SH   DFND   1,461,855 300 254,770
COLGATEPALMOLIVE CO COM 194162103 3,306 49,816 SH   DFND   37,646 0 12,170
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 313 16,025 SH   DFND   16,025 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 113,501 3,301,369 SH   DFND   2,763,791 550 537,028
CONOCOPHILLIPS COM 20825C104 1,335 43,331 SH   DFND   43,331 0 0
CONSOLIDATED EDISON INC COM 209115104 1,260 16,155 SH   DFND   16,155 0 0
COPART INC COM 217204106 387 5,654 SH   DFND   5,654 0 0
CORTEVA INC COM 22052L104 3,803 161,813 SH   DFND   161,813 0 0
COSTCO WHSL CORP NEW COM COM 22160K105 1,479 5,187 SH   DFND   5,045 0 142
CUMMINS INC COM 231021106 253 1,866 SH   DFND   1,866 0 0
DANAHER CORP COM 235851102 1,700 12,281 SH   DFND   12,281 0 0
DEERE & CO. COM 244199105 483 3,499 SH   DFND   3,499 0 0
DIAGEO PLC SPONSORED ADR SPON ADR NEW 25243Q205 18,454 145,168 SH   DFND   142,868 0 2,300
DIGITAL REALTY TRUST COM 253868103 279 2,012 SH   DFND   2,012 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 99,325 1,028,214 SH   DFND   855,576 220 172,418
DOLLAR GENERAL CORP COM 256677105 100,086 662,777 SH   DFND   564,972 135 97,670
DOMINION ENERGY INC COM 25746U109 993 13,752 SH   DFND   13,752 0 0
DOVER CORP COM 260003108 282 3,365 SH   DFND   3,365 0 0
DOW INC COM 260557103 14,402 492,545 SH   DFND   490,795 0 1,750
DUKE ENERGY CORP COM NEW 26441C204 1,140 14,095 SH   DFND   14,095 0 0
DUPONT DE NEMOURS INC COM 26614N102 69,607 2,041,256 SH   DFND   1,721,993 479 318,784
EMERSON ELECTRIC CO COM 291011104 4,582 96,150 SH   DFND   91,310 0 4,840
ENERGY TRANSFER COM UT LTD PTN 29273V100 453 98,578 SH   DFND   98,578 0 0
ENTERPRISE PRODUCTS PARTNERS COM 293792107 1,598 111,771 SH   DFND   111,771 0 0
ESSENTIAL UTILS INC COM 29670G102 871 21,403 SH   DFND   19,446 0 1,957
EXELON CORP COM 30161N101 252 6,839 SH   DFND   6,839 0 0
EXXON MOBIL CORP COM 30231G102 8,702 229,179 SH   DFND   215,680 0 13,499
FACEBOOK INC CL A 30303M102 1,356 8,127 SH   DFND   8,127 0 0
FASTENAL COMPANY COM 311900104 250 8,000 SH   DFND   8,000 0 0
FEDEX CORP COM 31428X106 1,541 12,709 SH   DFND   12,409 0 300
FIDELITY NATIONAL INFO SVCS COM 31620M106 450 3,699 SH   DFND   3,699 0 0
FNF GROUP FNF GROUP COM 31620R303 225 9,028 SH   DFND   9,028 0 0
FLEETCOR TECHNOLOGIES INC. COM 339041105 373 2,000 SH   DFND   2,000 0 0
FOX CORP CL B CL B COM 35137L204 243 10,611 SH   DFND   10,611 0 0
GAP INC COM 364760108 93 13,200 SH   DFND   13,200 0 0
GENERAL ELECTRIC COM 369604103 396 49,835 SH   DFND   49,835 0 0
GENERAL MILLS INC COM 370334104 890 16,858 SH   DFND   13,958 0 2,900
GENUINE PARTS CO COM 372460105 31,463 467,294 SH   DFND   464,025 0 3,269
GLATFELTER P H CO COM 377316104 1,982 162,205 SH   DFND   162,205 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 13,343 352,160 SH   DFND   257,252 0 94,908
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 1,715 33,479 SH   DFND   33,479 0 0
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 2,591 25,714 SH   DFND   24,940 0 774
HANOVER FOODS CORP CL A COM 41078W100 403 7,333 SH   DFND   7,333 0 0
JACK HENRY & ASSOCIATES INC. COM 426281101 605 3,900 SH   DFND   3,900 0 0
THE HERSHEY COMPANY COM 427866108 361 2,727 SH   DFND   2,727 0 0
HOME DEPOT INC COM 437076102 22,594 121,010 SH   DFND   117,405 0 3,605
HONEYWELL INTERNATIONAL, INC. COM 438516106 89,089 665,890 SH   DFND   573,749 180 91,961
HUBBELL INC COM 443510607 202 1,764 SH   DFND   1,764 0 0
ILLINOIS TOOL WKS INC COM 452308109 3,015 21,214 SH   DFND   21,050 0 164
INTEL CORP COM 458140100 13,992 258,542 SH   DFND   257,032 0 1,510
INTERACTIVE BROKERS GROUP COM 45841N107 276 6,400 SH   DFND   6,400 0 0
INTERNATIONAL BUSINESS MACHINES COM 459200101 2,356 21,235 SH   DFND   19,661 0 1,574
INTL FLAVORS & FRAGRANCES COM 459506101 915 8,961 SH   DFND   8,751 0 210
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 2,689 14,125 SH   DFND   14,125 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 6,260 74,508 SH   DFND   74,508 0 0
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 14,329 463,728 SH   DFND   458,364 357 5,007
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,385 29,525 SH   DFND   29,525 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 3,749 50,981 SH   DFND   50,981 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 376 3,187 SH   DFND   3,187 0 0
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 117,787 455,831 SH   DFND   451,195 0 4,636
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 369 3,195 SH   DFND   3,195 0 0
ISHARES TR IBOXX INV CP ETF 464287242 933 7,551 SH   DFND   6,911 0 640
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 1,189 7,204 SH   DFND   7,204 0 0
ISHARES S&P GLOBAL ENERGY SECTOR INDEX FUND GLOBAL ENERG ETF 464287341 519 30,710 SH   DFND   30,710 0 0
ISHARES BARCLAYS 710 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 16,063 132,229 SH   DFND   130,123 123 1,983
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,042 19,492 SH   DFND   19,434 0 58
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 242 3,771 SH   DFND   3,771 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 1,027 8,445 SH   DFND   8,445 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,448 33,553 SH   DFND   33,553 0 0
ISHARES CORE S&P MIDCAP ETF CORE S&P MCP ETF 464287507 66,274 460,687 SH   DFND   449,497 0 11,190
ISHARES NORTH AMERICAN TECHSOFTWARE ETF EXPANDED TECH 464287515 205 975 SH   DFND   975 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 1,099 11,077 SH   DFND   11,077 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 3,301 21,909 SH   DFND   21,909 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 233 1,649 SH   DFND   1,649 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 855 5,407 SH   DFND   5,407 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 3,704 32,359 SH   DFND   32,359 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 245 1,650 SH   DFND   1,650 0 0
ISHARES CORE S&P SMALLCAP ETF CORE S&P SCP ETF 464287804 120,432 2,146,354 SH   DFND   2,096,913 50 49,391
ISHARES S&P SMALL CAP 600 VALUE INDEX FUND SP SMCP600VL ETF 464287879 317 3,168 SH   DFND   3,168 0 0
ISHARES S&P SHORT TERM NATIONAL AMTFREE MUNICIPAL SHRT NAT MUN ETF 464288158 388 3,646 SH   DFND   3,646 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 11,445 303,988 SH   DFND   247,593 125 56,270
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 907 14,494 SH   DFND   14,494 0 0
ISHARES NATIONAL AMTFREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 310 2,742 SH   DFND   2,742 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 497 21,978 SH   DFND   21,978 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 387 5,023 SH   DFND   5,023 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 58,959 533,852 SH   DFND   521,690 432 11,730
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 738 6,432 SH   DFND   6,432 0 0
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 40,200 731,970 SH   DFND   718,573 788 12,609
ISHARES SHORTTERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 49,619 947,653 SH   DFND   929,785 958 16,910
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 683 21,455 SH   DFND   21,455 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 246 1,473 SH   DFND   1,473 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 356 5,008 SH   DFND   5,008 0 0
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 268 4,210 SH   DFND   4,210 0 0
ISHARES US TREASURY BOND ETF US TREAS BD ETF 46429B267 443 15,818 SH   DFND   15,818 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 2,481 50,899 SH   DFND   50,899 0 0
ISHARES HIGH DIVIDEND EQUITY HIGH DIVIDND ETF 46429B663 276 3,853 SH   DFND   3,853 0 0
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 366 7,547 SH   DFND   7,547 0 0
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 931 19,800 SH   DFND   19,475 0 325
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 96,635 1,936,971 SH   DFND   1,882,613 0 54,358
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 217,780 5,381,258 SH   DFND   5,270,550 0 110,708
J.P. MORGAN CHASE & CO COM 46625H100 127,866 1,420,265 SH   DFND   1,211,381 300 208,584
JOHNSON & JOHNSON COM 478160104 149,828 1,142,592 SH   DFND   976,088 160 166,344
KLA CORPORATION COM NEW 482480100 652 4,535 SH   DFND   4,535 0 0
KIMBERLY CLARK CORP COM 494368103 8,300 64,913 SH   DFND   63,503 0 1,410
KROGER CO COM 501044101 909 30,164 SH   DFND   30,164 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 241 1,340 SH   DFND   1,340 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 585 3,673 SH   DFND   3,673 0 0
LILLY, ELI & COMPANY COM 532457108 428 3,083 SH   DFND   3,083 0 0
LITHIA MOTORS INC CL A CL A 536797103 206 2,515 SH   DFND   2,515 0 0
LOCKHEED MARTIN CORP COM 539830109 13,021 38,416 SH   DFND   38,116 0 300
LOWES COS INC COM 548661107 151,156 1,756,612 SH   DFND   1,444,963 460 311,189
M & T BK CORP COM 55261F104 519 5,019 SH   DFND   5,019 0 0
MSC INDUSTRIAL DIRECT CO A CL A 553530106 295 5,365 SH   DFND   5,365 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 761 20,860 SH   DFND   20,860 0 0
MASTERCARD CLA 57636Q104 146,699 607,298 SH   DFND   505,302 95 101,901
MCCORMICK & CO COM NON VTG 579780206 205 1,450 SH   DFND   1,450 0 0
MCDONALDS CORP COM 580135101 43,224 261,408 SH   DFND   236,990 0 24,418
MERCK & CO COM 58933Y105 44,190 574,343 SH   DFND   559,875 0 14,468
MICROSOFT CORP COM 594918104 225,003 1,426,691 SH   DFND   1,277,689 145 148,857
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 646 12,907 SH   DFND   12,907 0 0
NESTLE S A SPON ADR REG COM 641069406 2,753 26,731 SH   DFND   26,731 0 0
NETFLIX INC COM 64110L106 575 1,530 SH   DFND   1,530 0 0
NEXTERA ENERGY INC COM 65339F101 3,875 16,105 SH   DFND   16,105 0 0
NIKE INC CL B CL B 654106103 1,759 21,265 SH   DFND   17,265 0 4,000
NORFOLK SOUTHERN CORP COM 655844108 2,464 16,879 SH   DFND   16,879 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,655 5,470 SH   DFND   5,470 0 0
NOVARTIS AG ADR SPONSORED ADR 66987V109 2,900 35,176 SH   DFND   34,176 0 1,000
NOVONORDISK A/S SPONS ADR ADR 670100205 655 10,880 SH   DFND   10,880 0 0
NUVEEN MA QUALITY MUNI INC FD COM 67061E104 371 27,500 SH   DFND   27,500 0 0
NUVEEN PREFERRED & INCOME 2022 TER COM 67075T105 237 12,400 SH   DFND   12,400 0 0
OCCIDENTAL PETE CORP COM 674599105 362 31,266 SH   DFND   31,266 0 0
ORACLE SYS CORP COM 68389X105 77,934 1,612,547 SH   DFND   1,343,714 310 268,523
PNC FINANCIAL CORP COM 693475105 1,428 14,919 SH   DFND   14,919 0 0
PPL CORP COM COM 69351T106 481 19,486 SH   DFND   19,486 0 0
PAYCHEX INC COM 704326107 271 4,302 SH   DFND   4,302 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 504 5,263 SH   DFND   5,263 0 0
PEPSICO INC COM 713448108 138,636 1,154,336 SH   DFND   983,772 175 170,389
PFIZER INC COM 717081103 15,673 480,175 SH   DFND   468,656 0 11,519
PHILIP MORRIS INTL,INC COM 718172109 38,076 521,872 SH   DFND   518,260 0 3,612
PHILLIPS 66 COM 718546104 718 13,377 SH   DFND   13,377 0 0
PROCTER & GAMBLE COM 742718109 25,661 233,284 SH   DFND   163,622 0 69,662
PUBLIC SVC ENTERPRISES COM 744573106 365 8,124 SH   DFND   8,124 0 0
PUBLIC STORAGE COM 74460D109 735 3,700 SH   DFND   3,700 0 0
QUALCOMM INC COM 747525103 1,454 21,494 SH   DFND   21,494 0 0
RAYTHEON CO NEW COM COM NEW 755111507 42,720 325,732 SH   DFND   298,062 205 27,465
ROSS STORES INC COM 778296103 1,089 12,517 SH   DFND   12,517 0 0
ROYAL DUTCH SHELL PLC ADR SPON ADR B 780259107 54,098 1,656,395 SH   DFND   1,435,189 380 220,826
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,097 31,442 SH   DFND   30,742 0 700
S&P GLOBAL INC COM 78409V104 78,887 321,924 SH   DFND   269,486 55 52,383
SEI INVESTMENTS CO COM 784117103 348 7,500 SH   DFND   7,500 0 0
SPDR TR UNIT SER 1 TR UNIT 78462F103 29,659 115,067 SH   DFND   106,577 0 8,490
SPDR GOLD TRUST GOLD SHS 78463V107 1,525 10,300 SH   DFND   10,300 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 254 3,182 SH   DFND   3,182 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,229 4,677 SH   DFND   4,677 0 0
SABRE CORPORATION COM 78573M104 91 15,411 SH   DFND   15,411 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 671 6,075 SH   DFND   6,075 0 0
SPDR FINANCIAL SELECT SBI INT-FINL 81369Y605 341 16,392 SH   DFND   16,392 0 0
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 247 3,068 SH   DFND   3,068 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 580 13,101 SH   DFND   13,101 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 764 13,788 SH   DFND   13,788 0 0
SHERWIN WILLIAMS CO COM 824348106 2,559 5,568 SH   DFND   5,497 0 71
SMUCKER J M CO COM NEW COM NEW 832696405 259 2,332 SH   DFND   2,332 0 0
SOUTHERN CO COM 842587107 518 9,570 SH   DFND   9,570 0 0
STANLEY BLACK AND DECKER COM 854502101 317 3,165 SH   DFND   3,165 0 0
STARBUCKS CORP COM 855244109 65,682 999,117 SH   DFND   858,668 180 140,269
STRYKER CORP COM 863667101 1,795 10,779 SH   DFND   10,779 0 0
SYNCHRONY FINAN COM 87165B103 598 37,161 SH   DFND   37,161 0 0
SYSCO CORP COM 871829107 705 15,446 SH   DFND   15,446 0 0
TJX COS INC NEW COM 872540109 120,803 2,526,724 SH   DFND   2,095,207 525 430,992
TAPESTRY INC COM 876030107 275 21,224 SH   DFND   21,224 0 0
TARGET CORP COM 87612E106 2,260 24,304 SH   DFND   24,304 0 0
TEXAS INSTRUMENTS INC COM 882508104 1,060 10,608 SH   DFND   10,608 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,033 3,641 SH   DFND   3,641 0 0
3M COMPANY COM 88579Y101 5,532 40,522 SH   DFND   29,222 0 11,300
TRANSDIGM GROUP, INC. COM 893641100 416 1,300 SH   DFND   1,300 0 0
TRAVELERS COMPANIES INC COM 89417E109 542 5,452 SH   DFND   2,619 0 2,833
TRUIST FINANCIAL CORP COM 89832Q109 30,726 996,303 SH   DFND   987,417 0 8,886
TWILIO INC A CL A 90138F102 208 2,325 SH   DFND   2,325 0 0
U S BANCORP COM NEW 902973304 2,371 68,839 SH   DFND   57,745 0 11,094
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 8,345 165,010 SH   DFND   164,410 0 600
UNILEVER N V WI N Y SHS NEW 904784709 2,431 49,826 SH   DFND   32,591 0 17,235
UNION PACIFIC CORP COM 907818108 8,354 59,229 SH   DFND   57,719 0 1,510
UNITED PARCEL SVC INC CL B CL B 911312106 42,802 458,166 SH   DFND   454,336 0 3,830
UNITED TECHNOLOGIES CORP COM 913017109 45,103 478,136 SH   DFND   359,175 0 118,961
UNITEDHEALTH GROUP INC COM COM 91324P102 127,257 510,293 SH   DFND   416,329 120 93,844
V F CORPORATION COM 918204108 318 5,874 SH   DFND   5,874 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 15,882 153,612 SH   DFND   153,612 0 0
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 10,862 258,859 SH   DFND   252,219 0 6,640
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 7,001 209,988 SH   DFND   165,836 0 44,152
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 1,152 16,283 SH   DFND   16,283 0 0
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 32,759 418,651 SH   DFND   407,067 0 11,584
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,064 150,937 SH   DFND   150,891 0 46
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 55,796 1,011,531 SH   DFND   992,809 0 18,722
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 554 12,798 SH   DFND   12,798 0 0
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 2,264 10,685 SH   DFND   10,685 0 0
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 210 1,721 SH   DFND   1,721 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 3,350 14,144 SH   DFND   14,144 0 0
VANGUARD MIDCAP VALUE ETF MCAP VL IDXVIP 922908512 211 2,594 SH   DFND   2,594 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,573 51,146 SH   DFND   51,146 0 0
VANGUARD MIDCAP ETF MID CAP ETF 922908629 745 5,659 SH   DFND   5,659 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 221 1,412 SH   DFND   1,412 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 315 3,540 SH   DFND   3,540 0 0
VANGUARD SMALLCAP ETF SMALL CAP ETF 922908751 1,241 10,752 SH   DFND   10,752 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 26,221 203,409 SH   DFND   203,409 0 0
VERIZON COMMUNICATIONS COM 92343V104 38,786 721,868 SH   DFND   712,119 0 9,749
VIACOMCBS INC CL B 92556H206 165 11,790 SH   DFND   11,790 0 0
VISA IN CLASS A COM CL A 92826C839 1,950 12,100 SH   DFND   12,100 0 0
WALMART INC COM 931142103 2,163 19,040 SH   DFND   19,040 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 358 7,828 SH   DFND   7,828 0 0
WASTE MGMT INC DEL COM 94106L109 2,375 25,664 SH   DFND   25,664 0 0
WELLS FARGO CO COM 949746101 4,130 143,893 SH   DFND   111,826 0 32,067
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 384 9,720 SH   DFND   9,720 0 0
WISDOMTREE JAPAN HEDGED EQUITY FUND JAPN HEDGE EQT 97717W851 308 7,309 SH   DFND   7,309 0 0
ZIMMER HLDGS INC COM 98956P102 289 2,860 SH   DFND   2,860 0 0
ZOETIS INC. CL A 98978V103 1,341 11,397 SH   DFND   11,397 0 0
ALLERGAN PLC SHS G0177J108 686 3,873 SH   DFND   3,873 0 0
ACCENTURE LTD SHS CLASS A G1151C101 123,394 755,810 SH   DFND   621,740 125 133,945
EATON CORP, PLC SHS G29183103 8,174 105,209 SH   DFND   104,058 0 1,151
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 16,922 627,688 SH   DFND   623,255 0 4,433
LINDE PLC COM G5494J103 295 1,707 SH   DFND   1,707 0 0
MEDTRONIC PLC SHS G5960L103 68,381 758,272 SH   DFND   673,315 185 84,772
CHUBB LTD COM H1467J104 1,607 14,385 SH   DFND   14,385 0 0